The Facts About Georgia Commercial Auto Insurance
When selecting auto insurance, many factors must be considered, from the amount of coverage necessary to state laws requiring coverage. Working with Atlanta, Georgia, commercial auto insurance agents are a critical step in ensuring you get the proper level of protection not just for the car, but also for your business. A simple accident involving an employee can become very costly for a business. That is why it is critical to work with Peter Laczko Insurance and our agents.
What Type of Coverage Do You Need?
Commercial auto insurance is slightly different with traditional car insurance. The key differences bring, the policy covers:
- The employee driving the vehicle
- The vehicle itself
- The business as a whole
If you are involved in a commercial car accident, for example, not only can someone sue you if you are at fault, but they may also be able to inflict financial damage on your business due to liability concerns even if an employee is behind the wheel.
When purchasing this type of insurance, individuals must take into account a few key things, including:
- How many vehicles are to be covered? Fleet coverage spans all of your company's vehicles. Sometimes, you just need one car covered for your individual use.
- How much liability protection should you have? This depends on many factors, including the type of vehicle and the amount of damage it can cause. Higher liability coverage is often recommended for businesses that have more than one driver.
- How much coverage do you need to protect the value of your car? Trucks and vehicles with expensive equipment on board may require a higher amount of protection than a policy for a small car.
Luckily, it does not have to be difficult to get an affordable policy.
Finding an Affordable Insurance Policy
When you work with Peter Laczko Insurance, you are working with an independent agency. This agency works for you not for a particular carrier. The goal is to help you get a quote from multiple carriers offering coverage throughout the Atlanta, Georgia, area.
Call our agents today to discuss your needs. You can compare policies from multiple carriers and get the answers you need.